---
title: "Gallagher vs Pie Insurance: Workers’ Compensation Insurance"
description: "Pie offers a roughly three-minute online quote, A- rated insurers and a post-term payroll audit; Gallagher offers online, phone and callback quotes."
canonical: "https://spot.insure/compare/gallagher-vs-pie-insurance/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "gallagher-vs-pie-insurance"
provider-a: "gallagher"
provider-b: "pie-insurance"
coverage-line: "workers-compensation"
---

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[Human-readable page](https://spot.insure/compare/gallagher-vs-pie-insurance/workers-compensation)

## Agent Guide

**What this page is:** Focused comparison of Gallagher and Pie Insurance for Workers’ Compensation Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Workers’ Compensation Insurance questions about Gallagher versus Pie Insurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Gallagher vs Pie Insurance for Workers’ Compensation Insurance: how do they differ?
- Which is better for Workers’ Compensation Insurance, Gallagher or Pie Insurance?
- What does Gallagher or Pie Insurance publish about Workers’ Compensation Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Workers’ Compensation Insurance. Providers: Gallagher and Pie Insurance.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Gallagher vs Pie Insurance](https://spot.insure/compare/gallagher-vs-pie-insurance) — all coverage lines for this pair
- [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — how this coverage works
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile
- [Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance) — provider profile

# Gallagher vs Pie Insurance: How Do They Compare for Workers’ Compensation Insurance?

Pie Insurance underwrites workers' comp itself and advertises a roughly three-minute online quote from payroll and job-classification details; Gallagher Small Business arranges coverage with partner carriers instead.

Pie offers a roughly three-minute online quote, A- rated insurers and a post-term payroll audit; Gallagher offers online, phone and callback quotes.

## Gallagher vs Pie Insurance Workers’ Compensation Insurance Summary

Pie offers a roughly three-minute online quote, A- rated insurers and a post-term payroll audit; Gallagher offers online, phone and callback quotes. [3](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") [1](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance")

## What Are the Key Differences Between Gallagher and Pie Insurance Workers’ Compensation Insurance?

### Who Carries the Risk

Pie requires payroll and class-code information and can issue certificates; Gallagher lists retraining costs, temporary replacement-worker wages and Texas opt-out guidance. Choose Pie for fast digital quoting and post-term audits; choose Gallagher for phone support or Texas rule context. [3](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") [2](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") [1](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance")

### How You Get a Quote

Pie describes a roughly three-minute online quote requiring the applicant's name, business name, payroll and class code, with a tool to help identify the class code. Gallagher offers a comparable online quote form, but also lists a small-business advisor phone line and a scheduled callback as alternatives. [2](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") [1](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance")

### Documentation and Audits

Pie says it can issue a Certificate of Insurance and performs a post-term premium audit comparing estimated to actual payroll. Gallagher's reviewed page does not describe a comparable certificate or audit process for this line. [2](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") [1](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance")

## What Should You Confirm in Gallagher and Pie Insurance Workers’ Compensation Insurance Quotes?

- Confirm Pie's current AM Best rating directly, since the disclosure cited here reflects an April 2026 rating action for Pie Casualty Insurance Company. [3](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company")
- Ask Gallagher to name the insurer that would issue the policy before binding. [1](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance")
- Ask about the post-term payroll audit process with Pie, and ask Gallagher's placed carrier whether a similar true-up applies. [2](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses")
- Ask Gallagher whether any of its listed top claim causes apply to the business's operations. [1](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance")

## Gallagher vs Pie Insurance Workers’ Compensation Insurance Compared

| Criteria | Gallagher Small Business Workers' Compensation Insurance | Pie Workers' Comp Insurance |
| --- | --- | --- |
| Who It’s For | Gallagher says workers' compensation is typically mandated by state law based on employee count, which varies by state, and notes that Texas allows employers to opt out, though an employer can still be sued if an employee is hurt. It says any business with employees most likely needs a policy. [1](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: Product page eligibility and market-trends sections; actual state requirements should be confirmed for the buyer's location..) | Pie says workers' compensation is legally required in nearly all states for businesses with few exceptions, and markets its program to small businesses. [2](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") (Evidence: Company-reported; scope: Workers' Comp product page as read on 2026-09-23..) |
| How to Apply | Gallagher offers an online quote form, a small business advisor phone line (1.833.292.9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), and a scheduled callback request to start a workers' compensation quote. [1](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: Product page "Get Covered Now" section..) | Pie says getting a quote online requires the applicant's name, business name, annual payroll amount, and class-code information, with a tool available to help identify the correct class code, and advertises a roughly three-minute online quote and up to 30% savings. [2](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") (Evidence: Company-reported; scope: Workers' Comp product page as read on 2026-09-23; quote time and savings figures are company marketing claims, not independently verified, and individual results vary..) |
| Coverage Features | Gallagher describes workers' compensation as covering medical costs and lost wages from a workplace injury or illness, costs to retrain a returning injured employee, related legal fees, and wages for a temporary replacement worker. [1](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: Product page coverage overview; the issued policy and its exclusions control..)<br><br>Gallagher lists overexertion, slips/trips/falls, electrocution, being struck by or against objects, transportation incidents, machinery accidents, unintentional overdoses, workplace violence, and exposure to harmful substances as the top workers' compensation claim causes it tracks. [1](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: Product page "Top 10 workers' compensation claims" list; a general industry pattern, not specific to any one policyholder..) | Pie describes workers' compensation as a state-mandated program providing medical, disability (typically two-thirds wage replacement), and death benefits for employees injured or killed on the job, while excluding injuries suffered off the job, self-inflicted injuries, policy violations, and injuries from committing a crime. [2](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") (Evidence: Company-reported; scope: Workers' Comp product page as read on 2026-09-23; actual covered/excluded scenarios depend on the issued policy and state law..) |
| Role in This Line | Gallagher Small Business arranges workers' compensation coverage with partner carriers rather than underwriting the policy itself. [1](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: Gallagher Small Business's direct-to-small-business workers' compensation product page..) | Pie underwrites workers' compensation itself through its own carrier group, rather than only brokering the line to outside insurers as it does for several of its other small-business products. [2](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") (Evidence: Company-reported; scope: Workers' Comp product page as read on 2026-09-23; restates the provider record's verified insurer-route fact..) |

## About Gallagher and Pie Insurance and Workers’ Compensation Insurance

- [Gallagher company profile](https://spot.insure/insurance-providers/gallagher) · [Gallagher customer reviews](https://spot.insure/insurance-providers/gallagher/reviews)
- [Pie Insurance company profile](https://spot.insure/insurance-providers/pie-insurance) · [Pie Insurance customer reviews](https://spot.insure/insurance-providers/pie-insurance/reviews)
- [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation)

## Related Pages for Gallagher vs Pie Insurance Workers’ Compensation

- [Gallagher vs Pie Insurance](https://spot.insure/compare/gallagher-vs-pie-insurance): all coverage lines, business roles, service and claims.
- [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation): Workers’ compensation can pay medical care, rehabilitation and lost wages after an employee’s work-related injury or illness; state rules determine who must be covered.
- [Gallagher Workers’ Compensation Insurance](https://spot.insure/insurance-providers/gallagher/workers-compensation)
- [Pie Insurance Workers’ Compensation Insurance](https://spot.insure/insurance-providers/pie-insurance/workers-compensation)

## Sources for Gallagher vs Pie Insurance Workers’ Compensation Insurance

### Sources About Gallagher

1. [Workers' Compensation Insurance](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/). Gallagher Small Business; Workers' Comp Insurance Overview; Do you need a Workers' Compensation insurance policy; Benefits of Workers' Compensation Insurance; Workers' Comp market trends; Top 10 workers' compensation claims; Get Covered Now. Accessed 2026-09-23.

### Sources About Pie Insurance

2. [Workers' Comp Insurance for Small Businesses](https://www.pieinsurance.com/workers-comp). Pie Insurance; How do I get a workers' comp quote?; What is workers' comp insurance?; What does workers' compensation insurance cover?; Why choose Pie for workers' compensation insurance? Affordable, Simple, Trusted (AM Best A- Excellent); FAQs: how workers' comp works, what's covered/not covered, class codes, NCCI. Accessed 2026-09-23.
3. [AM Best Rating Disclosure Report — Pie Casualty Insurance Company](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0). AM Best Rating Services, Inc.; Page 1: Financial Strength Rating A- (Excellent), Affiliation Code p (Pooled Rating), Financial Size Category VIII, Outlook Stable, Action Affirmed, Effective Date April 24, 2026; Long-Term Issuer Credit Rating a- (Excellent), same outlook and effective date; page 14 (Additional Regulatory Disclosures, Business Profile: Limited): Rating Unit 018981 Pie Insurance Group; Pie completed the acquisition of Pie Casualty Insurance Company (PCIC) in September 2021 and of The American Insurance Company, renamed The Pie Insurance Company (TPIC), on January 1, 2023; beginning January 1, 2024 Pie started writing 100% of its workers' compensation business through these insurance entities; Pie launched workers' compensation in March 2018 and continues to be a workers' compensation writer in 40 states and the District of Columbia. Accessed 2026-09-23.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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